Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12411483
Complaint Overview
Complaint ID: 12411483
Company: Navy Federal Credit Union
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Pennsylvania
ZIP Code: 19082
Date Received: 2025-03-10T12:00:00-05:00
Date Sent to Company: 2025-03-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against Navy Federal Credit Union for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) across all three credit bureaus : XXXX, XXXX, and XXXX. The errors and violations make the reporting misleading, inconsistent, and unverifiable, requiring immediate deletion of this account. '' Future Date Reporting ( FCRA Violation ) Violation : FCRA 15 U.S.C. 1681i ( a ) ( 5 ) Unverifiable Information Must Be Deleted XXXX, XXXX, and XXXX report a 'Balance Updated " date of XX/XX/XXXX. This is impossible since we are already in XX/XX/XXXX. Any inaccurate or unverifiable information must be removed under the FCRA. Charge-Off with an Outstanding Balance ( FCRA Violation ) Violation : FCRA 15 U.S.C. 1681s-2 ( a ) Furnishers Must Report Accurate Information The account is reported as charged off but still shows a past due balance of {$30000.00}. A charge-off means the lender has written off the debt and should not be reporting an outstanding balance. If the debt was sold or transferred, the balance should be reported as {$0.00}. Contradictory Payment History Reporting Conflicts ( FCRA Violation ) Violation : FCRA 15 U.S.C. 1681e ( b ) Inconsistent & Misleading Reporting XXXX reports no past due balance in early XXXX, but later months suddenly show delinquencies. XXXX and XXXX list the account as past due throughout XXXX, contradicting XXXX. The account can not be both current and delinquent at the same time, making this reporting unverifiable. Inconsistent Account Open Date vs. First Delinquency ( FCRA Violation ) Violation : FCRA 15 U.S.C. 1681e ( b ) Inaccurate Reporting The account was opened in XX/XX/XXXX, but the first delinquency is reported as XX/XX/XXXX. This suggests the loan defaulted in just 5 months, which is highly unusual and signals a potential reporting error. No Proof of Debt Ownership ( FDCPA Violation ) Violation : FDCPA 15 U.S.C. 1692g Debt Validation Requirement My credit reports do not indicate whether Navy Federal Credit Union still owns this debt. If the debt has been sold to a third-party collection agency, they must report a {$0.00} balance. If Navy Federal can not provide proof of ownership, this account must be deleted. Due to multiple violations across XXXX, XXXX, and XXXX, I am requesting the immediate deletion of this Navy Federal Credit Union account from my credit reports. The reporting is factually incorrect, inconsistent, and unverifiable, violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). If Navy Federal can not verify and correct every single inaccuracy, the only legal option is to delete this account immediately. I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure Navy Federal Credit Union complies with federal law
Frequently Asked Questions
What is Complaint #12411483 about?
Complaint #12411483 was filed against Navy Federal Credit Union regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-03-10T12:00:00-05:00.
How did Navy Federal Credit Union respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Navy Federal Credit Union?
Yes, visit the Navy Federal Credit Union company profile at readthecomplaint.com/company/navy-federal-credit-union to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.